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Fees are included in the representative example but not the monthly repayment.Rates, fees and charges and therefore the total cost of the loan may vary depending on your loan amount, loan term, and credit history.

Break cost fees: The Australian Government may have kicked variable rate exit fees to the curb back in 2011 but if you sign up with a fixed rate consolidation loan you could still feel the bite of a break cost fee.

Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may inﬂuence the cost of the loan.

Representative example figures and monthly repayment figures are estimates only, based on the advertised rate, loan amount and term entered.

Unsecured loan: Many debt consolidation loans in Australia are unsecured, meaning no security is needed.

Which is perfect if you're a borrower who doesn't have any assets or is unwilling to put your car or home at risk.

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